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Company Analysis

United Bankshares, Inc. UBSI

A comprehensive view of key metrics, scores, and financial health for United Bankshares, Inc.

Overview of United Bankshares, Inc.

UBSI NMS
Financial Services Banks - Regional Mid Cap
United Bankshares, Inc. (UBSI), is a Mid Cap company, in the Banks - Regional industry, last closed at $39.18, about 2.1% undervalued vs fair value, +12.4% 1Y return, placing in the top 25% of its sector.
$39.18
-0.23%
As of March 13, 2026
Previous close • Vol 90d: 24.9%
52-Week Range
Market Cap
$5.60B
Enterprise Value
$3.98B
Overall Score
Scores locked

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Top Beats

Quick Facts

Website https://www.ubsi-inc.com
HQ Charleston, WV
Employees 2,740
Fiscal year Dec 31

Next Events

Dividend Apr 1
Earnings Apr 23 Estimated

Fair Value Snapshot

Bear Base Bull
$22
$40
$75
Current: $39.18 +2% vs base

Engine Room Money Flow™

Mid Cap

Financial Services - Where revenue goes and how value is created

Flow Steps
Interest Income
$1.5B
7.2%%
Interest Expense
$583.7M
Net Interest Income
$911.1M
-1%%
Total Revenue
$1.8B
76.8%%
Money Flow Bridge
Flow Direction: Money moves from left to right
Components: Breakdown shows composition of each stage
Industry-Specific: Financial Services

Quality & Reliability Indicators

Return on Equity
7.5%
Fair

Net Income / Equity - key bank profitability metric

Locked Metric
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Owner's Pocket - Capital Allocation

Total Returned to Shareholders

Combined dividends, buybacks, and debt reduction

$201.8M
54.1% of Net Income

Where It Leaks

Cash Flow Health critical
Significant cash flow inefficiencies identified. Multiple high-impact leaks require attention.
1
Active Leaks
0/1
Improving
0
High Impact
1
Critical
Moat Analysis Bank Specialized

Competitive Advantage Assessment

Evaluating United Bankshares, Inc.'s durable competitive advantages across 6 defense dimensions

Overall Moat Strength
73
/100
Moderate
Scores based on quantitative metrics and qualitative factors

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Deposit Franchise

Strong
76
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Trade-Off Ledger™

Where management spends the performance budget - Growth, Profitability, or Safety

Banks (Regional & Diversified) vs Industry Peers 91% Coverage
Trade-Off Triangle Visualization A ternary plot showing UBSI's balance between Growth (35.6%), Profitability (34.6%), and Safety (29.9%). Growth 36% Safety 30% Profitability 35%

Click axes to expand details. Marker shows current allocation.

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Growth

69th percentile vs peers
70
Key Signals
Rev Growth YoY 76.8% 69p Asset Growth YoY 12.1% 83p Revenue CAGR 3Y 20.5% 56p
Strengths
  • Asset Growth Yoy in top 20% of peers (12.1%, 83th percentile)
  • Operating Margin in top 20% of peers (32.4%, 81th percentile)
  • Net Profit Margin in top 20% of peers (25.5%, 80th percentile)
  • Growth above peer median with strong metric coverage (72%)
Risks

No significant risks identified for this axis.

Profitability

67th percentile vs peers
68
Key Signals
Strengths
Risks
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Safety

58th percentile vs peers
59
Key Signals
Strengths
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Two Futures

Scenario-based fair value ranges for United Bankshares, Inc..

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Unable to Compute Fair Value

This company cannot be valued using standard models.

What this means: The Scenario Theatre requires financial data (revenue, cash flow, shares outstanding) to calculate fair value estimates. This data may be unavailable for:

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  • Shell companies or holding companies
  • Companies that haven't filed recent financials
  • Foreign companies with limited data coverage
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Bear
-
- - -
- upside
-
Base
$39.99
- - -
+2.1% vs current
Snapshot base estimate
Bull
-
- - -
- upside
-
Fair Value Range Current: $-
$- $- $-
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